| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AE MOURAD AGENCY, INC.3 Filed as: AE MOURAD AGENCY | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $887 | $10K | 1.38% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.74% |
| AE MOURAD AGENCY, INC.3 | 28277 DEQUINDRE ROAD MADISON HEIGHTS, MI 48071 | DELTA DENTAL OF MICHIGAN | $27K | — | $27K | 11.37% |
| AE MOURAD AGENCY, INC.3 | 28277 DEQUINDRE ROAD MADISON HEIGHTS, MI 48071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.51% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $184 | — | $184 | 0.22% |
| AE MOURAD AGENCY, INC.3 | 28277 DEQUINDRE ROAD MADISON HEIGHTS, MI 48071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.18% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $177 | — | $177 | 0.43% |
| AE MOURAD AGENCY, INC.3 | 28277 DEQUINDRE ROAD MADISON HEIGHTS, MI 48071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.42% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $261 | — | $261 | 0.75% |
| AE MOURAD AGENCY, INC.3 | 28277 DEQUINDRE ROAD MADISON HEIGHTS, MI 48071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.32% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $154 | — | $154 | 0.44% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 498 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 580 | $238K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 209 | $741K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $76K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $35K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 498 | $2.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.